One of the best ways to thwart burglars is by having insurance-approved door locks. It makes breaking into your house more challenging, providing a layer of security to your family, property and valuables. There’s a burglary every 40 seconds in the UK, so you must protect yourself.
Correct locks are also critical in complying with your home insurance policy. Some lock types are not deemed secure enough by insurers and may invalidate a claim. To make sure you can claim, check that you’re using insurance-approved door locks.
Lock requirements for home insurance
Insurance companies cover your home and your valuables – as long as you have a reasonable level of security in place. One of the most important factors is securing external doors. The most common conditions that invalidate home insurance are:
- Poor levels of maintenance that lead to damage or a break-in
- Any dishonest or incorrect information you gave when taking out the agreement
- Leaving windows and doors open or unlocked
- Being away from home for a prolonged period
- Having subpar locks that are easily broken.
For that reason, insurers have specific requirements – including your doors having the correct locks. If you don’t currently have insurance-approved door locks, consider having them installed. The cost to change locks is tiny compared to the risk of home insurance invalidation.
What type of insurance-approved door locks do I need?
Insurers will accept different types of locks. The thing those locks have in common is that they offer a guaranteed level of protection to your home. Let’s take a look at some locks accepted by insurance companies.
Key-operated multi-point locking system
A key-operated multi-point locking system offers a good level of protection for your home. These locks bolt onto the door frame and lock in several positions.
They’re usually installed on uPVC doors, with between three and five locking points from top to bottom. Unlocking and locking are done simultaneously from one single key. When buying, you should check that a lock cylinder is up to your insurer’s standard.
Five-lever mortice deadlock
The five-lever mortice deadlock is another common lock that’s insurance-approved. These locks are installed in the external doors’ material, providing a good level of security.
When buying a five-lever mortice deadlock, make sure of two things:
- That the lock has at least five levers to provide enough protection
- That the lock complies with BS3621. Look for the British Standards kite mark on the lock itself.
These minimum requirements ensure that your mortice deadlock is up to standard.
Rim automatic dead latch or night latch
Although a dead latch or a night latch is insurance-approved, insurers prefer them to be used with other locks. These locks bolt onto external doors and give another layer of protection. As with other types of lock, you should look for the British Standards kite mark and check your insurer’s requirements.
What about window locks?
You should install window locks on any ground floor or accessible windows as a minimum. Windows require a different type of lock – not having them may invalidate insurance.
Do patio doors need insurance approved locks?
Patio doors, or French doors, are another concern for insurers. They sometimes come with relatively weak locks, so consider installing an insurance-approved lock as above. You might also install deadbolts for added protection.
Home insurance offers you financial protection against worst-case scenarios – but weak locks can invalidate it. To meet requirements, you should install a robust lock on all external doors. At The York Locksmith Company, we install insurance-approved door locks to protect your family and belongings. Contact us today for more information.